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How transactions post

Chase Overdraft Services

How transactions post

We look at your account only once to decide if the item would cause your account to become overdrawn.

Here’s the order in which we generally apply deposits and withdrawals to your account each business day:

First:

We add your deposits to your account

Second:

We subtract everyday (not recurring) debit card transactions, online banking transactions, ATM withdrawals, teller cash withdrawals, checks you write that are either cashed or deposited by a Chase branch banker, and wire transfers. We subtract all of these transactions in chronological order by using the date and time of each transaction. If we don't know the time of day you made a transaction, such as for some everyday debit card transactions, then it is posted as if it was made at the end of the day. Multiple transactions without a timestamp are subtracted starting with those having the highest dollar amount and moving to the lowest.

Third:

We subtract all other items, including checks you wrote that are either cashed or deposited at an ATM, and recurring debit card transactions starting with those having the highest dollar amount and moving to the lowest. We reserve the right to use a different order in certain states, such as Nevada.

Finally, fees are assessed last.

It’s your responsibility to avoid overdrawing your account.

For more information on how your transactions post, see our:

Personal checking accounts (PDF)

Business accounts (PDF)

You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we don't place a hold and the check isn't returned. Here are the cutoff times for making a deposit or transferring funds from another Chase account:

  • At a branch before it closes
  • At an ATM before 11 PM Eastern time (8 PM Pacific time)
  • When transferring money on chase.com or Chase Mobile® or using Chase QuickPay® with Zelle® before 11 PM Eastern time (8 PM Pacific time)

Additional cutoff times apply to other transfers, including transfers from non-Chase accounts. For more information refer to the online services agreements.